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OppFi OPFI Business Segments — Direct marketing costs

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Other financials

Income statement

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Revenue$87.3M-3.9%
Operating income$35.4M-16.8%
Net income$28.4M+350%
EPS (diluted)$0.56+217%

Balance sheet

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Cash & equivalents$99.9M+10.1%
Total debt$10.9M-14.9%
Total equity$75.7M+235%
Total assets$720.0M+12.5%

Cash flow

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Operating cash flow$90.8M+8.4%
CapEx$5.1M+17.2%
Free cash flow$85.6M+7.9%

Valuation

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Market cap$802.7M+167%
Enterprise value$713.71M+204%
P/E12.1×-77.2×
P/S2.1×+1.3×

Profitability

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Operating margin42.2%+4.5pp
Net margin17.5%+14.7pp
FCF margin102.9%+11.8pp

Returns & leverage

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Return on equity134.6%+85.9pp
Debt / equity0.1×-0.4×
Current ratio0.3×

Where this comes from

Reported directly by OppFi in its filing.

Tagged under the XBRL concept us-gaap:MarketingExpense.

The source filing: OppFi’s 10-Q, filed May 7, 2026.

Filed
May 7, 2026, 5:23 PM EDT
Fiscal quarter
Q1 FY2026
Calendar quarter
Q1 2026
Accession
0001818502-26-000056
Line item20262025
Net revenue87,29890,810
Expenses:
Salaries and employee benefits14,25413,778
Direct marketing costs10,38510,288
Interest expense and amortized debt issuance costs8,51010,247
Professional fees7,2644,199
Technology costs3,3292,961
Payment processing fees1,6581,630

Item 1. Financial Statements (Unaudited)

FAQ

What is OppFi's business segments — direct marketing costs?
OppFi (OPFI) reported business segments — direct marketing costs of $10.39M in Q1 2026.
How has OppFi's business segments — direct marketing costs changed year-over-year?
OppFi's business segments — direct marketing costs increased by 0.9% year-over-year, from $10.29M to $10.39M.
What is the long-term trend for OppFi's business segments — direct marketing costs?
Over 3 years (2022 to 2025), OppFi's business segments — direct marketing costs has grown at a -4.4% compound annual growth rate (CAGR), from $58.29M to $50.89M.
What does business segments — direct marketing costs mean?
Captures the expenses incurred specifically to acquire new customers or promote the segment's financial products. This metric is vital for assessing the efficiency of customer acquisition strategies and the return on investment for marketing spend. It helps investors understand the cost-to-acquire dynamics within the segment's competitive landscape.

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